This may be thread drift too but what the hell. As a broker (real estate) I was recently involved in a sale representing the seller. The buyer was qualified through a subsidized program and I am philosophically all in favor of this .......BUT the terms that were set by the lender to meet the low income program were ludicrous.....including, as Maeve commented, removinglead paint, fixing windows, - fixing things that the seller (my client ) just didn't see as a problem AT ALL. By the time we had finiished with the deal, with the government agency coming back time and time again to inspect improvements that in 99% of our homes we would just grin and bear it about finished my sympathy for the program......